Uzwal's Blog

1. The true sign of intelligence is not knowledge but imagination.  It takes no special talent to use your imagination. Children do it all the time. But as adults we get so busy being busy that we forget to access this valuable part of ourselves. Imagination holds the key to great wisdom, if we only take the time to look. 2.We cannot solve our problems with the same thinking we used when we created them.   Becoming creative with your thinking can be one of the most monumental shifts of your life. If you understand and are aware of your thoughts, you are no longer a slave to them. You become conscious, and therefore clearer, and life’s challenges become far easier to manage 3.Anyone who has never made a mistake has never tried anything new. Don’t be bland. Try new things. If you aren’t messing up, you aren’t living. 4.There are only two ways to live your life. One is as though nothing is a miracle. The other is as though everything is a miracle . You only need to

1.Your cognition suffers -20-25 hrs without sleep impairs your movement and mental focus similar to a peson with a 0.10% blood alcohol level. 2.You become more aggressive. Sleep deprivation deteriorates your interpersonal response and makes you more agitated. 3.Your immune response weakens. Adults who sleep less than 6 hours a night have 4 times higher risk of catching a cold. 4.You gain weight Lack of sleep raises levels of a biochemicals called gherlin which is an appetite stimulant. 5.Increased diabetes risk Those who slept 5 hours or less every night were 34% more likely to develop type 2 diabetes. 6.Your blood pressure shoots up One night without sleep for the hypertensive can cause elevated blood pressure all throughout the next day. 7.Impaired brain activity Lack of sleep harms your brain by halting new neuron production and increases level of the stress hormone coorticosterone. 8.Memory problems Sleep deprivation deteriorates the br

The story of how a middle-class IT officer's son came to be featured on the Forbes' list of billionaires is as amazing as the man himself. At EVOKE 2012, an idea-sharing event organised by the US Consulate in Mumbai earlier this month, Indian investor Rakesh Jhunjhunwala explained why he believes that India is a rich country, what money means to him and why he's not burdened with guilt about the country's poverty. Read on.If you ask me what money means, I'd say it's used as a means of exchange, among other things.But J Paul Getty, one of the world's richest men, said: If you can count it, you don't have enough of it.Money is the harsh reality of life. Some love for it, some die for it, some use it well, some waste it, most fight for it, but most others desire it.After having earned so much, I have realised one thing -- that money cannot be an end to itself.Money has got five crore good things, just one really bad thing: you can't take it with you.Ta

1.Gokyo Lakes Trek Nepal  Gokyo Lakes are oligotrophic lakes in Nepal's Sagarmatha National Park, located at an altitude of 4,700–5,000 m (15,400–16,400 ft) above sea level. These lakes are the world’s highest freshwater lake system comprising six main lakes, of which Thonak Lake is the largest. Gokyo lakes are located in Khumjung Village Development Committee of Solukhumbu District in Sagarmatha Zone in north-eastern Nepal. Gokyo Cho, also called Dudh Pokhari, is the main lake with an area of 42.9 ha (106 acres), and the village of Gokyo lies on its eastern shore. Thonak Cho is the largest lake with an area of 65.07 ha (160.8 acres). Gyazumpa Cho is 29 ha (72 acres) in size, followed by Tanjung Cho with an area of 16.95 ha (41.9 acres), and Ngojumba Cho with an area of 14.39 ha (35.6 acres). As sources of permanent fresh water they have high hydrological value. They feed on waters from various sources, such as seepage from the Ngozumpa glacier, a stream coming from the R

Count Down According to Net Profit 1. PRVU (Prabhu Bank Limited)---1 arba 11 Crore 2. GBIME (Global IME Bank)----90 Crore 62 Lakh 3. NICA (Nicasia Bank)------73 Crore 49lakh 4. SBL (Siddhartha Bank Limited)----42 Crore 60 Lakh 5. CZBIL (Citzen Bank Limited)----63 Crore 16 Lakh 6. SANIMA (Sanima Bankk Limited)-----62 Crore 25 Lakh 7. PCBL (Prime Commercial Bank Limited)---55 Crore 97 Lakh 8. NBB (Nepal Bangladesh Bank Limited)---54 Crore 6 Lakh 9. MEGA (Mega Bank)--------37 Crore 9 Lakh 10. CCBL (Century Bank Limited)----22 Crore 398 Lakh Count Down According to EPS(Earning Per share) 1.SBL (Siddhartha Bank Limited)----Rs 35.91 2. NBB (Nepal Bangladesh Bank Limited)---Rs 28 3. GBIME (Global IME Bank)----25.35 4. NICA (Nicasia Bank)------Rs 24.80 5. SANIMA (Sanima Bankk Limited)-----Rs 23.65 6. CZBIL (Citzen Bank Limited)----Rs 22.81 7. PCBL (Prime Commercial Bank Limited)---Rs 22.66 8. PRVU (Prabhu Bank Limited)---Rs 18.91 9. MEGA (Mega Bank)--------19.54 10. CC

Cockroach Theory  A beautiful speech by  Sundar Pichai  - an IIT-MIT Alumnus and Global Head  Google Chrome : The cockroach theory for self development.   At a restaurant, a cockroach suddenly flew from somewhere and sat on a lady.She started screaming out of fear.With a panic stricken face and trembling voice, she started jumping, with both her hands desperately trying to get rid of the cockroach.Her reaction was contagious, as everyone in her group also got panicky.The lady finally managed to push the cockroach away but ...it landed on another lady in the group.Now, it was the turn of the other lady in the group to continue the drama.The waiter rushed forward to their rescue.In the relay of throwing, the cockroach next fell upon the waiter.The waiter stood firm, composed himself and observed the behavior of the cockroach on his shirt.When he was confident enough, he grabbed it with his fingers and threw it out of the restaurant.Sipping my coffee and watching the amusement, th

#Major Things to know while analyzing financial highlight of financial institution: Ø Profit Growth compared to previous fiscal year Ø Interest income compared to previous fiscal year Ø Paid up capital and reserve growth in current report Ø Collection of deposit compared to previous fiscal year Ø Extension of Loan compared to previous fiscal year Ø Comparison of non-performing loan. Ø   EPS,NETWORTH PER SHARE,P/E Ratio comparison . Paid Up capital: - Paid-up capital is the amount of money a company has received from shareholders in exchange for shares of stock. Paid-up capital is only created when a company sells its shares on the primary market directly to investors. When shares are bought and sold between investors on the secondary market, no additional paid-up capital is created because the proceeds of those transactions go to the selling shareholders, not the issuing company.   Reserve: A reserve is profits that have been appropriated for a parti

#Earnings Per Share (EPS) Share 54 Earnings Per Share (EPS)   represents the portion of a company's   earnings , net of   taxes   and preferred   stock dividends , that is allocated to each share of   common stock . The figure can be calculated simply by dividing   net income   earned in a given reporting period (usually quarterly or annually) by the total number of   shares outstanding   during the same term, a   weighted average   is typically used Because the number of shares outstanding can fluctuate. For Example: Let us assume leonix Technologies PVT LTD has Company Net Income: 40,000,000/- During the same time Number of Share: 100,000,000 EPS (Earning Per Share) =Company Net income/Number of Share                                            =40,000,000/100,000,000                                            =0.4/- EPS   is a carefully scrutinized metric that is often used as a barometer to gauge a company's profitability per unit of shareholder